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Standard CharteredFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
2% on Online Spends
1% on Offline. Max ₹1000/month.
The privileges that come bundled in, beyond the reward points.
Interest free cash withdrawal for 90 days (One time)
2% Cashback
An honest read on where this card earns its keep — and where it doesn't.
Low fee
Decent online cashback
Cap on cashback
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Standard Chartered before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of Standard Chartered are often approved on slightly lower scores.
Everything you need to know about Standard Chartered Smart fees, reward conversion, lounge access, and application eligibility.
The joining fee for Standard Chartered Smart is nominal, and the annual renewal fee is ₹499 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for Standard Chartered Smart from Standard Chartered, a CIBIL score of 700 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
Standard Chartered Smart is designed to reward everyday spends. It currently features: "Nil". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Standard Chartered's rewards portal.
Standard Chartered Smart does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for Standard Chartered Smart directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
